Call reports 2006
FNB COMMUNITY BANK,THE — 2006
What FNB COMMUNITY BANK,THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 177,039,000 | 179,534,000 | 180,758,000 | 185,147,000 |
| Total loans | 100,406,000 | 103,855,000 | 105,242,000 | 103,133,000 |
| Allowance for loan losses | 1,220,000 | 1,221,000 | 1,221,000 | 1,215,000 |
| Securities available for sale | 62,795,000 | 56,620,000 | 58,375,000 | 57,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,846,000 | 153,491,000 | 153,722,000 | 158,174,000 |
| Interest-bearing deposits | 129,562,000 | 136,073,000 | 135,798,000 | 137,404,000 |
| Noninterest-bearing deposits | 16,284,000 | 17,418,000 | 17,924,000 | 20,770,000 |
| Equity capital | 21,704,000 | 21,820,000 | 22,559,000 | 22,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,379,000 | 4,840,000 | 7,368,000 | 9,936,000 |
| Interest expense | 708,000 | 1,587,000 | 2,586,000 | 3,657,000 |
| Net interest income | 1,671,000 | 3,253,000 | 4,782,000 | 6,279,000 |
| Noninterest income | 322,000 | 769,000 | 1,140,000 | 1,535,000 |
| Noninterest expense | 1,171,000 | 2,450,000 | 3,620,000 | 4,864,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 822,000 | 1,568,000 | 2,298,000 | 2,936,000 |
| Income tax | 208,000 | 368,000 | 523,000 | 635,000 |
| Net income | 614,000 | 1,200,000 | 1,775,000 | 2,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,251,000 | 21,677,000 | 22,184,000 | 22,053,000 |
| Total capital | 22,471,000 | 22,898,000 | 23,405,000 | 23,268,000 |
| Risk-weighted assets | 111,195,000 | 114,620,000 | 115,912,000 | 114,554,000 |